HMDA Oversight Manager

AmeriHome Mortgage•Dallas, TX

32d

About The Position

As a HMDA Oversight Manager, you'll be responsible for leading and managing the Home Mortgage Disclosure Act (HMDA) compliance program across both Retail and Correspondent Lending channels. You'll need to ensure accurate data collection, validation, and reporting in accordance with Regulation C, while driving operational excellence, risk mitigation, and regulatory adherence. Lead the HMDA Compliance Management Program, ensuring it is robust, sustainable, and aligned with regulatory expectations. Oversee the design and execution of HMDA data integrity audits, including source document testing and reconciliation across Encompass and Magnus systems. Manage the lifecycle of HMDA Loan Application Registers (LARs), including quarterly reviews, manual corrections, and year-end filings. Coordinate with Legal, Strategy, and Governance teams to interpret regulatory changes and implement necessary updates. Supervise monthly and quarterly HMDA data integrity testing, including validity and quality error identification, spot audits, and remediation tracking. Ensure discrepancies between source documentation and system data are resolved within required timelines. Maintain and enhance HMDA-specific reports (e.g., AUS, CLTV, Credit Score, DTI, Rate Spread, Denial Reasons) for proactive error detection. Partner with Retail Lending, Correspondent Operations, Compliance SMEs, and Technology teams to ensure consistent data standards and procedural alignment. Facilitate working sessions to resolve field-level challenges, define future-state processes, and finalize business requirements for system enhancements. Engage with external vendors (e.g., ICE, QuestSoft) for data extraction, validation, and reprocessing efforts. Coordinate annual HMDA training for all relevant employees, including Board-level awareness. Collaborate with Training & Development to update procedures and deploy training tied to identified process gaps. Prepare and present audit findings, remediation status, and compliance metrics to executive leadership and regulatory entities. Maintain documentation for internal audit and regulatory review, including evidence of training, attendance, and procedural updates. Lead and develop a team; responsible for hiring, coaching, performance management, training and development.

Requirements

5+ years of related experience in Mortgage Compliance, HMDA Regulations and Reporting or similar field.
Bachelor's degree in related field required; Masters or MBA in related field preferred.
Intermediate to advanced knowledge of residential mortgage industry in Correspondent or Retail Lending, including sales, operations, capital markets and/or other residential mortgage products and services.
Intermediate to advanced knowledge of applicable federal and state regulatory and legal compliance obligations, rules and regulations, industry standards and practices, including TRID, ECOA, HMDA, FCRA, Flood, HOEPA, HPML, Appraisal, ATR/QM, TCPA, UDAAP, and Fair Lending.
Intermediate knowledge of Encompass and related loan origination systems.
Advanced analytical, communication, and project management skills.
Advanced speaking and writing communication skills.

Nice To Haves

Certified Regulatory Compliance Manager preferred.
Certified Anti-Money Laundering Specialist preferred.

Responsibilities

Lead the HMDA Compliance Management Program, ensuring it is robust, sustainable, and aligned with regulatory expectations.
Oversee the design and execution of HMDA data integrity audits, including source document testing and reconciliation across Encompass and Magnus systems.
Manage the lifecycle of HMDA Loan Application Registers (LARs), including quarterly reviews, manual corrections, and year-end filings.
Coordinate with Legal, Strategy, and Governance teams to interpret regulatory changes and implement necessary updates.
Supervise monthly and quarterly HMDA data integrity testing, including validity and quality error identification, spot audits, and remediation tracking.
Ensure discrepancies between source documentation and system data are resolved within required timelines.
Maintain and enhance HMDA-specific reports (e.g., AUS, CLTV, Credit Score, DTI, Rate Spread, Denial Reasons) for proactive error detection.
Partner with Retail Lending, Correspondent Operations, Compliance SMEs, and Technology teams to ensure consistent data standards and procedural alignment.
Facilitate working sessions to resolve field-level challenges, define future-state processes, and finalize business requirements for system enhancements.
Engage with external vendors (e.g., ICE, QuestSoft) for data extraction, validation, and reprocessing efforts.
Coordinate annual HMDA training for all relevant employees, including Board-level awareness.
Collaborate with Training & Development to update procedures and deploy training tied to identified process gaps.
Prepare and present audit findings, remediation status, and compliance metrics to executive leadership and regulatory entities.
Maintain documentation for internal audit and regulatory review, including evidence of training, attendance, and procedural updates.
Lead and develop a team; responsible for hiring, coaching, performance management, training and development.